LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,400
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,216
−HK$1,846/mo
Today · 4.125%
HK$62,062
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,776/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,124/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,969
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,712
−HK$1,767/mo
Today · 4.125%
HK$68,479
baseline
▲ 0.50% · 4.625%
HK$72,089
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,958/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,080
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,260
−HK$2,214/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$79,006
+HK$4,532/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,963
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,054
−HK$2,121/mo
Today · 4.125%
HK$82,175
baseline
▲ 0.50% · 4.625%
HK$86,507
+HK$4,332/mo
Deposit HK$10.24M · loan HK$15.37M · min. income ≈ HK$164,350/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,760
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,303
−HK$2,584/mo
Today · 4.125%
HK$86,887
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$5,286/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,774/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,957
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,396
−HK$2,475/mo
Today · 4.125%
HK$95,871
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,053/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,742/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,119
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,389
−HK$3,322/mo
Today · 4.125%
HK$111,711
baseline
▲ 0.50% · 4.625%
HK$118,509
+HK$6,798/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,944
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,081
−HK$3,181/mo
Today · 4.125%
HK$123,262
baseline
▲ 0.50% · 4.625%
HK$129,760
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,524/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,469 · Scale 2, in force from 26 Feb 2026)